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Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman
Published by Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
ISSN : 23564628     EISSN : 25798650     DOI : 10.24952/masharif.v12i1.10884
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
FOCUS This journal focused on Islamic Economic and contemporary developments through the publication of articles by research. SCOPE Al-Masharif specializes in Islamic Economic studies and is intended to communicate original research and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines. The Al-Masharif invites manuscripts in the areas of: Sharia Economic Islamic Banking Islamic Microfinance, Zakah, and Waqf Management of Islamic Banking Islamic Financing Islamic Accounting Islamic Finance Industry The Al-Masharif accepts articles in any related subjects and any research methodology that meet the standards established for publication in the journal. The primary, but not exclusive, audiences are academicians, students, practitioners, and others interested in Islamic Economic research. The primary criterion for publication in Al-Masharif is the significance of the contribution an article makes to the literature and practice in Islamic Economic area, i.e., the significance of the contribution and on the rigor of analysis and presentation of the paper. The acceptance decision is made based upon an independent review process that provides critically constructive and prompt evaluations of submitted manuscripts.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 121 Documents
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Implementasi Sustainable Development Goals (SDGS) Di Indonesia Perspektif Ekonomi Islam Usman, Usman; Wartoyo, Wartoyo; Haida, Nur; Wahyuningsih, Nining
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.12446

Abstract

Indonesia berkomitmen untuk menyukseskan Sustainable Development Goals (SDGs) sebagai bagian dari upaya pembangunan ekonomi berkelanjutan yang juga merupakan bagian dari komitmen global. Tulisan ini bertujuan untuk menganalisis sejauh mana keberhasilan pemerintah dalam menerapkan program SDGs, dengan focus pada tujuan-tujuan terkait kesejahteraan. Selain itu, penulis juga akan mengeksplorasi relevansi penerapan SDGs di Indonesia dari perspektif ekonomi Islam. Metode penelitian yang digunakan adalah Sistematic Literature Review, yang merupakan pendekatan sistematis dan terstruktur untuk menilai, menganalisis, dan menyintesis literatur yang relevan dengan topik penelitian.  Hasil kajian menunjukkan bahwa aspek regulasi SDGs di Indonesia telah menunjukkan kemajuan signifikan dan relevansi dengan prinsip-prinsip ekonomi Islam. Namun, dalam praktiknya, terdapat berbagai kekurangan dan ketidaksesuaian antara isu kesejahteraan dan tujuan SDGs, terutama dari perspektif ekonomi Islam. Hal ini berkontribusi pada peningkatan kesenjangan sosial di Indonesia dalam sepuluh tahun terakhir. Temuan ini menunjukkan perlunya perbaikan yang signifikan dalam pelaksanaan program SDGs untuk mencapai kesejahteraan yang lebih merata dan adil. Indonesia is committed to the success of the Sustainable Development Goals (SDGs) as part of the sustainable economic development efforts that are also part of global commitments. This paper aims to analyze the extent of the government's success in implementing the SDGs program, focusing on goals related to welfare. In addition, the author will also explore the relevance of implementing the SDGs in Indonesia from an Islamic economic perspective. The research method used is Systematic Literature Review, which is a systematic and structured approach to assess, analyze, and synthesize the literature relevant to the research topic.  The results of the study show that the regulatory aspects of SDGs in Indonesia have shown significant progress and relevance to the principles of Islamic economics. However, in practice, there are various shortcomings and mismatches between welfare issues and the goals of the SDGs, especially from an Islamic economic perspective. This has contributed to the increase in social inequality in Indonesia in the last ten years. These findings indicate the need for significant improvements in the implementation of the SDGs program to achieve more equitable and just welfare.
Optimizing Sharia Pension Funds: Toward Superior Non-Bank Finance Zein, Aliman Syahuri; Nasution, Astari Salsabila; Siregar, Aulia Putri; Safitri, Destia Indah; Harahap, Nova Khairani; kholila, Nur; Simbolon, Nurul Faradilla
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.12453

Abstract

Retirement is considered a desire to earn money after working, but the age leading up to retirement is still considered an unproductive time. This research uses literature review to collect, analyze and interpret data from various literature sources. Literature review is an integral part of research. By increasing productivity, raising public awareness, becoming a source of funding for development, and offering more stable investment options, Islamic pension programs can help reduce poverty by improving economic and financial stability in the long run, reducing the burden on the government pension system, and allowing individuals to be more sterile. Non-bank financial institutions use social media to increase public participation in Islamic pension funds by listening, talking, energizing, supporting and embracing. Therefore, social media platforms play an important role in encouraging people to join Islamic pension funds managed by non-bank financial institutions. 
Pengaruh Kepemilikan Sertifikasi Halal dan Modal Usaha terhadap Pendapatan Usaha: Studi Empiris pada Pelaku Usaha Mikro kecil dan Menengah (UMKM) bidang kuliner di Daerah Istimewa Yogyakarta Nurhidayat, Kukuh; Afdawaiza, Afdawaiza; Handayani, Anik Puji
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i2.14149

Abstract

Penelitian ini bertujuan untuk mengeksplorasi pengaruh kepemilikan sertifikasi halal dan modal usaha terhadap pendapatan usaha pelaku UMKM bidang kuliner di Daerah Istimewa Yogyakarta. Dengan metode kuantitatif, data dari 173 responden UMKM dikumpulkan dan dianalisis menggunakan regresi linier berganda. Hasil menunjukkan bahwa kepemilikan sertifikasi halal memiliki pengaruh positif yang signifikan terhadap pendapatan UMKM kuliner, sementara modal usaha tidak berpengaruh secara signifikan. Temuan ini sejalan dengan penelitian sebelumnya yang menyoroti pentingnya sertifikasi halal dalam meningkatkan kepercayaan konsumen dan pendapatan usaha. Implikasi dari penelitian ini adalah perlunya perhatian lebih terhadap aspek sertifikasi halal dalam strategi pengembangan usaha UMKM kuliner.
Resilience Test: The Interplay of Macro Trends and Troubled Financing in Indonesian Sharia People's Financing Bank Siregar, Depanan Habib; Rasyid, Arbanur; Gautama, Budi; Nasirin, Wanda Khairun
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i2.14705

Abstract

Abstract,The increasing trend of BPRS in Indonesia signifies extensive community funding. However, some provinces faced problematic financing, with NPF exceeding 5%, notably over 10% in certain areas.  Macroeconomic trends impact socio-economic conditions, leading to financial challenges like inflation fluctuations, unstable Rupiah exchange rates, and a significant decline in the BI Rate affecting the competitiveness of Sharia financing against conventional loans. The study aims to analyze the relationship between macroeconomic factors and troubled financing in Indonesian BPRS. Employing Purposive Sampling across 20 provinces with the largest assets from 2019 to 2022, the Panel Granger Causality analysis indicates a connection between the exchange rate and NPF. However, economic growth, inflation, and BI Rate show no association with NPF. This suggests significant exchange rate exposure in the BPRS portfolio, necessitating cautious foreign exchange risk management through hedging, regular currency movement monitoring, and consideration of local currency financing policies. Sharia-compliant hedging via forward agreement contracts aligning with Fatwa DSN-MUI No.96/DSN-MUI/IV/2015, PBI No. 18/2/PBI/2016, and Opini DPS No. 17/26/DPS/XII/2015 on Sharia Hedging Plans should be implemented. 
Strengthening Islamic Boarding School Economy Through Social Capital Ihsan, Khozin Nur
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i2.14061

Abstract

Penelitian ini untuk mengetahui keberadaan pesantren dalam pelaksanaan upaya penguatan ekonomi di Universitas Darussalam Gontor. Penelitian ini termasuk kedalam penelitian studi kasus dengan menggunakan  metode  kualitatif dalam pendekatan  deskriptif. Teknik pengumpulan data yang digunakan meliputi wawancara,  observasi  partisipan,  dan  dokumentasi.  Kehadiran peneliti disini sebagai key instrument. Hasil penelitian  menunjukkan bahwa Universitas of Darussalam Gontor sudah melaksanakan upaya penguatan ekonomi mandiri dengan baik, mulai dari kelangkapan unit-unit usaha yang ada dilingkungan pesantren hingga upaya mewajibkan kepada seluruh yang terlibat di Universitas of Darussalam untuk membeli produk-produk yang telah disediakan dipesantren. Dan perlunya penembangan lagi terkait kelengkapan unit-unit usaha dan  produk-produk yang ada di Universitas of Darussalam.
Potensi Usaha Jasa Penyewaan Peralatan Bayi dan Anak di Kota Palangka Raya Oktanasari, Dewi Putri; Lisnawati, Lisnawati; Jelita, Jelita
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i2.11912

Abstract

The baby and children's equipment rental business can be said to have great potential in Palangka Raya City. This research is very important to study considering that rental of baby and children's equipment in Palangka Raya City is starting to develop, even though the number of existing rental businesses is still very minimal. The type of research used in this research is field research. This research approach uses a descriptive qualitative approach. This research was conducted in two locations, the first at Alisya Baby Rental, the second at Adinda Rental Palangkaraya. The subjects of this research were shop owners at two rental shops. The data collection techniques used were observation, interviews and documentation. Baby and children's equipment rental services can be a source of income and are not yet widely pursued in Palangka Raya City, so baby and children's equipment rental services have huge business opportunities. Before opening a baby and children's equipment rental service business, things you must pay attention to are equipment data, capital and profits.
Strategi Promosi Bisnis Menggunakan Influencer Melalui Media Sosial Pada UMKM Kabupaten Cirebon Rohmatun, Yenni; Usman, Usman; Fadhillah, Imroh atul
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i2.12815

Abstract

Perkembangan Ekonomi dalam bidang Industri pada saat ini telah menjadikan media sosial sebagai alat strategi promosi bisnis yang sangat efektif. Tujuan penelitian ini untuk menganalisis strategi promosi bisnis menggunakan influencer melalui media sosial pada UMKM Kabupaten Cirebon. Penelitian ini menggunakan metode kualitatif lapangan dengan pendekatan wawancara mendalam untuk menggali pemahaman tentang strategi promosi yang digunakan oleh UMKM di Kabupaten Cirebon dalam berkolaborasi dengan influencer media sosial. Hasil penelitian Strategi promosi bisnis menggunakan influencer melalui media sosial pada UMKM Kabupaten Cirebon telah terbukti efektif dalam meningkatkan pendapatan bisnis. Meskipun telah berhasil diterapkan oleh sebagian pelaku UMKM akan tetapi masih banyak yang belum memanfaatkannya. Kolaborasi influencer dan UMKM melalui media sosial memberikan dampak positif bagi kedua belah pihak, meningkatkan eksposur produk UMKM. Meskipun demikian, penting untuk mencatat bahwa beberapa UMKM perlu lebih memahami prinsip-prinsip bisnis dalam pandangan Islam. Penelitian ini memberikan wawasan penting untuk pengembangan strategi promosi lebih lanjut dan pemahaman etika bisnis dalam konteks agama, dan juga mengidentifikasi beberapa faktor kunci yang memengaruhi keberhasilan strategi promosi ini, termasuk pemilihan influencer yang tepat, konten yang relevan dan menarik, serta manajemen hubungan yang baik antara UMKM dan influencer. Economic development in the field of Industry at this time has made social media a very effective business promotion strategy tool. The purpose of this study is to analyze business promotion strategies using influencers through social media in Cirebon Regency MSMEs. This study uses a field qualitative method with an in-depth interview approach to explore the understanding of promotional strategies used by MSMEs in Cirebon Regency in collaborating with social media influencers. The results of the research on business promotion strategies using influencers through social media in Cirebon Regency MSMEs have proven to be effective in increasing business income. Although it has been successfully implemented by some MSME actors, there are still many who have not used it. The collaboration of influencers and MSMEs through social media has a positive impact on both parties, increasing the exposure of MSME products. Nonetheless, it is important to note that some MSMEs need to better understand business principles in an Islamic view. This research provides important insights for the further development of promotional strategies and understanding of business ethics in the context of religion, and also identifies several key factors that influence the success of these promotional strategies, including the selection of the right influencers, relevant and engaging content, and good relationship management between MSMEs and influencers.
Analysis Of The Behavior Of Using Mobile Banking Services In North Sumatra Students With The Approach: Technology Acceptance Model Hasibuan, Abdul Nasser; Hardana, Ali; Arif, Muhammad; Siregar, Sulaiman Efendi
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i2.6503

Abstract

This study aims to explain the behavioral analysis of the use of mobile banking services to students in North Sumatra with the approach: technology acceptance models, either simultaneously or partially. The sample used is 450 student respondents with the sampling technique using the proportional stratified random sampling technique by conducting a relationship test with the SEM (Structural Equation Model) analysis technique, which will be analyzed using the structural equation modeling tool with the alternative method of partial least square using the SmartPLS software. This study found that simultaneously the perceived usefulness and perceived ease of users have an influence on the behavior of using mobile banking services among students in North Sumatra. Meanwhile, partially, the perceived usefulness and perceived ease of users also have an influence on the behavior of using mobile banking services among students in North Sumatra. As well as the perception of benefits is more dominant than the perceived ease of users in using mobile banking services for students in North Sumatra.Keywords: Usefulness, Ease Of Use, Mobile Banking Usage Behavior
Peran Ekonomi Syariah Dan Ekonomi Kreatif Sebagai Sumber Pertumbuhan Ekonomi Harahap, Sunarji
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i2.14905

Abstract

Bank Indonesia continues to strive to improve the performance of the Islamic economy which continues to grow in Indonesia, this is reflected in the increasing Indonesia's ranking at the global level based on the State of the Global Islamic Economy (SGIE) Report, from fourth place in 2023 to third place in 2024, with the strongest components in halal food and beverage and Muslim-friendly tourism (PRM). From the financial side, the role of Islamic banking in economic financing also continues to increase. Islamic banking financing to the real sector experienced a growth of 15.8%, higher than the overall real sector financing which grew by 10.5%. The halal food and beverage sector in 2023 grew strongly to reach 4.47% (yoy). This is due to public demand and halal food and beverage exports which are still quite strong, supported by strong public demand and still strong halal food and beverage exports.
Implementasi Pembiayaan Murabahah Pada PT. Permodalan Nasional Madani Mekaar Syariah Kota Bandar Lampung Nikmah, Sri; Cahwiyadi, Tata
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i2.14945

Abstract

Penelitian ini mengkaji tentang pelaksanaan pembiayaan Murabahah pada PT. PNM Mekaar Syariah yang dilaksanakan di Kota Bandar Lampung, Kecamatan Waydadi, Cabang Tanjung Senang 2. Tujuan penelitian ini adalah menganalisis mekanisme pembiayaan Murabahah dan implikasinya bagi nasabah. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif analitis. Sumber data berupa data primer dan data sekunder yang diperoleh melalui wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa pembiayaan Murabahah pada PT. PNM Mekaar Syariah merupakan akad jual beli antara lembaga pembiayaan dengan nasabah. PT. PNM Mekaar Syariah pada prinsipnya menerapkan akad Murabahah , dengan tambahan akad Wakalah dan Wadiah apabila diperlukan. Dalam praktiknya, Mekaar Syariah memberikan pembiayaan kepada nasabah berdasarkan harga yang disepakati, ditambah dengan margin keuntungan yang telah ditetapkan sebelumnya. Hasil penelitian menunjukkan bahwa skema Murabahah memudahkan akses pembiayaan bagi usaha kecil. Akan tetapi, skema ini memerlukan pengawasan yang ketat untuk memastikan kepatuhan terhadap prinsip keuangan Islam.

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